Have you insured your retirement?

Most long term care funds come from life savings or retirement savings.

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Many times, people put sophisticated plans in place to pay for their lifestyle during retirement. These plans are designed to create an income stream to pay everyday living expenses. Unfortunately, many people fail to consider one significant expense – the cost of long-term care services.

With all the retirement planning options available today, it’s important to remember one thing … people need enough retirement income to cover their expenses. Using a long-term care insurance policy to help pay for long-term care services can be a smart way to make retirement income last longer.

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This strategy is well suited for:
People who want to make their retirement income last as long as possible.
People concerned about their retirement income running out and having to rely on Medicaid for their long-term care needs.
Couples who may have different care needs.

The Partnership Asset Protection program will provide protection against Medicaid spend-down requirements. You will have a better lifestyle with more money in the bank and you can pass on more to your heirs/beneficiaries.


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Posted in asset protection, Long term care insurance, Partnership | Tagged ,

Alzheimer’s News & Resources

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Study strengthens evidence that cognitive activity can reduce dementia risk. – Harvard School of Public Health

Death rate from Alzheimer’s disease in the US has risen by 55%. – CNN

It’s predicted that the number of people worldwide living with dementia—about 46 million—will triple by 2050. But you’re hopeful that things will get better in the future. Why? – Harvard School of Public Health

3 lifestyle changes that may help guard against dementia. – CBS News

Pivot to Happy is in the business of helping people who have a loved one with dementia or Alzheimer’s navigate the journey.


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Posted in Alzheimer's, Dementia, Long term care insurance, memory problems, news | Tagged , ,

Older Americans Study

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Click To Read Report

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Who will be taking care of you and do they know it?


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Posted in adult day care, Alzheimer's, caregiver, Dementia, home care, long term care, Long term care insurance, nursing home, skilled nursing | Tagged , , , ,

5 Long-Term Care Myths Debunked

Baby boomers are turning 65 at a pace of 10,000 people per day and while most baby boomers in their 60s are healthy, the majority of Americans will begin to suffer health problems once they get into their 70s. Because diseases like cancer and Alzheimer’s disease strike later in life, most Americans will require long-term care at some point.

Let’s debunk some common myths about long-term care so that you can better prepare yourself for that eventuality.

No. 1: I won’t need long-term care

READ REST OF ARTICLE


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Posted in Long term care insurance

Good news about coconut oil, melatonin and turmeric

Q. What are your views on turmeric for arthritis? What is the appropriate dosage?

A. Many readers have reported that turmeric helps their joint pain. A review of clinical trials found that turmeric-based products were better than placebos and about as effective as NSAIDs such as ibuprofen or naproxen (Journal of Evidence-Based Complementary and Alternative Medicine online, March 14, 2016). One study that showed benefit compared 1,500 mg of turmeric extract to 1,200 mg of ibuprofen per day (Clinical Interventions in Aging online, March 20, 2014). The researchers prepared the extract themselves to provide 250 mg of curcuminoids per dose. Since products vary, that dose is what you might look for.

READ FULL ARTICLE HERE

 

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Posted in Long term care insurance, news | Tagged

What If Patients Decided How Their Nursing Home Would Run?

When asked how she feels about living at St. Camillus Health Center in Whitinsville, Mass., her home for 15 years, Alice Hallinan doesn’t hesitate. “I love it very much,” the 96-year-old says. “My daughter wants me to move closer to her, but no way I would leave.”

Read rest of story on Forbes


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Posted in Alzheimer's, Dementia, Long term care insurance, nursing home, skilled nursing | Tagged , , , ,

The Cost of Long Term Care Insurance Is Going Down in 2016!

In 2016, the average cost of a long term care insurance policy has gone down, according to The American Association for Long Term Care Insurance (AALTCI). For couples in their 60s, the policies cost 10% less than in 2015. Also, because of changes in coverage, today’s policies do not have the same risk of rate increases in the future.

Not all policies will cost less: for example, premiums for single women average about 7% higher than last year. And the cost of a policy can vary significantly from one insurer to the next for the same coverage. AALTCI says rates can vary by as much as 94% – so it’s important to do your research.

A good long term care insurance specialist can help you compare policies from many insurance companies.

Experts have suggested asking 3 questions to determine an insurance professional’s expertise:
1) How many years have you specialized in long term care planning?
2) How many LTCI policies have you sold?
3) How many different insurers do you work with?

For more information, visit Guide To Long Term Care


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Posted in Long term care insurance, long term care insurance premiums | Tagged , ,